TAKE HIGH PREMIUMS, BUT WANT TO PAYOUT PEANUTS !!!

My accident was on 3 MARCH 2016. My claim papers were lodged on 5 March 2016. After a week of not hearing from AF, I called and spoke to Frans. He could not locate my vehicle. Eventually after 3 days he found it BUT this time could not tell me WHERE my vehicle was towed to. After a week and NUMEROUS calls and e-mails, my vehicle was FOUND - BUT NO FEEDBACK or a progress report ! After another week, I was told by the towing company that my car was written off. I called FRANS and he could not confirm anything. As a result of FRANS' INCOMPETENCE My dad called AF and DEMANDED another consultant. On 1 APRIL 2016 NOMVULA eventually sent me the agreement of settlement BUT - even though my vehicle was LEGALLY upgraded to a 2.L and insured for R49,600 - AF offered me a RIDICULOUS R35,500. I IMMEDIATELY responded and informed them that I DO NOT accept their offer as my premiums were based on R49,600 NOT R35,500. My vehicle DID PASS the INSPECTION and THEY (AF) determined that R49,600 is justifiable. And now, AGAIN, after ANOTHER week, the only reply I get is : \the case was referred to management\". I have also lost my job due to no transport. I DEMAND MY FULL PAYMENT !!! *** - AF ???"